AVVZF (Avanza Bank Holding AB) Effective Interest Rate on Debt %: 265.34% (As of Jun. 2026)

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AVVZF Avanza Bank Holding AB AVVZF
82 GF Score
Price $22.62
GF Value $21.32
! 5 Warning Signs
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What is Avanza Bank Holding AB Effective Interest Rate on Debt %?

Avanza Bank Holding AB AVVZF 82 Effective Interest Rate on Debt % is 265.34% as of Jun. 2026. GuruFocus rates AVVZF with a GF Score™ of 82/100 and a GF Value™ of $21.32. The stock has 5 warning signs investors should review.

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Avanza Bank Holding AB's annualized positive value of Interest Expense for the quarter that ended in Jun. 2026 was $98.8 Mil. Avanza Bank Holding AB's average total debt for the quarter that ended in Jun. 2026 was $37.2 Mil. Therefore, Avanza Bank Holding AB's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2026 was 265.34%.


Avanza Bank Holding AB  (OTCPK:AVVZF) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.


Avanza Bank Holding AB Effective Interest Rate on Debt % Related Terms


Avanza Bank Holding AB Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Avanza Bank Holding AB's Effective Interest Rate on Debt % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Avanza Bank Holding AB Effective Interest Rate on Debt % Chart

Avanza Bank Holding AB Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 69.51 132.26 1,110.08 620.78 265.44

Avanza Bank Holding AB Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Effective Interest Rate on Debt % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 214.60 200.21 207.01 238.57 265.34

AVVZF vs PNC, USB: Effective Interest Rate on Debt % Comparison

For the Banks - Regional subindustry, Avanza Bank Holding AB's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Avanza Bank Holding AB Effective Interest Rate on Debt % vs Banks Industry

For the Banks industry and Financial Services sector, Avanza Bank Holding AB's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Avanza Bank Holding AB's Effective Interest Rate on Debt % falls into.


AVVZF
82GF Score
Avanza Bank Holding AB AVVZF
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Avanza Bank Holding AB Effective Interest Rate on Debt % Calculation

Avanza Bank Holding AB's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2024 )+Total Debt  (A: Dec. 2025 ))/ count )
=-1  *  -84.79/( (25.58+38.306)/ 2 )
=-1  *  -84.79/31.943
=265.44 %

where

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=38.306 + 0
=38.306

Avanza Bank Holding AB's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Mar. 2026 )+Total Debt  (Q: Jun. 2026 ))/ count )
=-1  *  -98.788/( (37.994+36.467)/ 2 )
=-1  *  -98.788/37.2305
=265.34 %

where

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=37.994 + 0
=37.994

Total Debt  (Q: Jun. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=36.467 + 0
=36.467

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is four times the quarterly (Jun. 2026) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 265.34% mean?
Avanza Bank Holding AB (AVVZF) has a Effective Interest Rate on Debt % of 265.34% as of Jun. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Avanza Bank Holding AB and its competitors.
Is Avanza Bank Holding AB's Effective Interest Rate on Debt % too high?
Avanza Bank Holding AB's current Effective Interest Rate on Debt % is 265.34%. Overall, Avanza Bank Holding AB has a GF Score™ of 82/100, reflecting its overall financial health beyond just this single metric.
How does Avanza Bank Holding AB's Effective Interest Rate on Debt % compare to PNC and USB?
Avanza Bank Holding AB's Effective Interest Rate on Debt % of 265.34% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Avanza Bank Holding AB and its competitors. Avanza Bank Holding AB's current Effective Interest Rate on Debt % is 265.34%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Avanza Bank Holding AB stock overvalued right now?
Avanza Bank Holding AB (AVVZF) has a current Effective Interest Rate on Debt % of 265.34%. The stock's GF Value™ is $21.32, compared to a current price of $22.62 — trading 6.1% above its estimated fair value. The current Effective Interest Rate on Debt % is 265.34%. Avanza Bank Holding AB's overall GF Score™ is 82/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Avanza Bank Holding AB (AVVZF), the current Effective Interest Rate on Debt % is 265.34% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Avanza Bank Holding AB (AVVZF) Overvalued in 2026?

Based on GuruFocus' analysis, Avanza Bank Holding AB stock appears to be overvalued. The current stock price of $22.62 is trading 6.1% above its estimated GF Value™ of $21.32.

Key valuation signals for AVVZF:

  • Effective Interest Rate on Debt %: 265.34%
  • GF Value™: $21.32 vs. price of $22.62 (6.1% above fair value)
  • GF Score™: 82/100 with 5 warning signs

No single metric tells the full story. See the AVVZF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Avanza Bank Holding AB Business Description

Address Regeringsgatan 103, Box 1399, Stockholm, SWE, SE-111 93
Avanza Bank Holding AB operates a platform for savings and investments. It offers a range of savings products, competitive occupational pension solutions, margin lending and mortgages. Customers are offered to save in Swedish and foreign securities and in savings accounts at very low fees and at competitive rates. The company serves individual investors, professional traders and corporate customers, such as entrepreneurs, asset managers and firms that want occupational pensions for their employees.
82GF Score

Get the complete analysis for AVVZF

Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$22.62
Price
$21.32
GF Value